1. Companies are enrolling everyone. While auto-enrollment used to affect only new hires, more companies are now putting all eligible employees into plans by default. Workers who choose not to participate must opt out.

2. They’re automatically escalating contributions. Among the companies that use auto-enrollment, 85 percent also automatically increase the amount that workers contribute every year.

3. They’re providing in-person guidance. More companies are offering live help to workers trying to understand and plan their retirement investments. Group seminar attendance increased 43 percent from 2014 to 2015, and the number of one-on-one meetings increased more than 150 percent.

4. They’re offering a Roth option. Roth 401(k) accounts allow investors to pay taxes upfront on their contributions but make tax-free withdrawals in retirement. That can be an appealing option for young workers, especially because unlike a Roth IRA, there are no income limits on Roth 401(k) contributions.